| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +3.9% | +2.6 pts |
| Share growth (YoY) | +6.7% | +3.3% | +3.4 pts |
| Loan growth (YoY) | +5.6% | +2.9% | +2.7 pts |
| ROA | 0.59% | 0.69% | -0.1 pts |
| ROE | 7.2% | 5.9% | +1.3 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $175.2M | $161.8M | $115.2M | $14.3M | $257K | 0.59% | 4.04% | 1.70% | 11,905 |
| Q4 2025 | $172.1M | $158.9M | $115.2M | $14.0M | $763K | 0.44% | 3.98% | 2.75% | 11,952 |
| Q3 2025 | $176.6M | $163.9M | $114.0M | $13.6M | $384K | 0.29% | 3.79% | 2.61% | 11,841 |
| Q2 2025 | $162.3M | $149.8M | $111.7M | $13.8M | $188K | 0.23% | 4.06% | 2.66% | 11,707 |
| Q1 2025 | $164.4M | $151.6M | $109.0M | $13.7M | $78K | 0.19% | 3.89% | 1.89% | 11,516 |
| Q4 2024 | $161.4M | $149.8M | $106.9M | $13.6M | $930K | 0.58% | 3.87% | 1.01% | 11,569 |
| Q3 2024 | $154.7M | $143.0M | $106.3M | $13.3M | $621K | 0.54% | 3.98% | 0.81% | 11,409 |
| Q2 2024 | $158.6M | $145.8M | $103.7M | $13.0M | $305K | 0.38% | 3.79% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.69% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 5.9% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.65% |
| 11,647 |
Loan mix (Q1 2026): real estate $43.0M · commercial $27.2M · consumer $44.0M · securities $23.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.0% | 78.7% | 55th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.